MID PENN BANCORP, INC.

MPB

CIK 0000879635 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$85M
↑+16.1% +$12Mvs FY2024 (Q4)
Operating Income
$84M
↑+16.2% +$12Mvs FY2024 (Q4)
Net Income
$19M
↑+47.0% +$6Mvs FY2024 (Q4)
Gross Profit
$85M
↑+16.1% +$12Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
12/100
  • Profitability
    0Insufficient data
  • Liquidity
    0Insufficient data
  • Leverage
    0Insufficient data
  • Efficiency
    0Asset Turnover 0.06x (1.0+ = capital-efficient)
  • Growth
    70Revenue YoY +16.1% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Insufficient data

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project MPB's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

9%

Trailing 3-yr CAGR was 8.8%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$58.43
Total enterprise IV
$1.29B
Diluted shares
0.02B
Terminal PV
$937M (73% of total)
Year-5 FCF
$110M
YearProjected FCFDiscounted PV
+1$78M$71M
+2$85M$71M
+3$93M$70M
+4$101M$69M
+5$110M$69M
Terminal$1.51B$937M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$8M
investment in PP&E
Dividends paid (TTM)
$18M
cash returned to holders
Stock buybacks (TTM)
$2M
share count reduction
Stock-based comp (TTM)
$2M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$6.13B
everything owned
Total liabilities
$5.32B
everything owed
Stockholders' equity
$814M
shareholder claim

Recent performance · 63 quarters

Revenue↑+16.1% +$12M
$85M
Net Income↑+47.0% +$6M
$19M
Free Cash Flow↑+631.2% +$14M
$11M

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